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How to Resolve Debt With Freshview Solutions

George Simons | February 01, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Worried that Freshview Solutions is going to sue you for everything you've got? Learn how to respond effectively and take proactive steps to resolve your debt issue.

Being contacted by a debt collector with Freshview Solutions Collection Agency can be stressful and even downright scary. But that doesn’t mean you should ignore the calls and letters. You have legal rights and options to achieve a resolution to your debt issue. For example, you can engage with Freshview Solutions and try to negotiate a debt settlement.

Settle debt with Freshview Solutions

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Freshview Solutions?

Freshview Solutions is a legitimate debt collection agency that has been in business since 2005. If you see Freshview on your credit report, it probably means they have purchased your debt from a creditor and will attempt to collect it from you.

Freshview has offices in Denver, Colorado and Overland Park, Kansas. Their payment address is Post Office Box 172285, Denver CO 80217.

Who does Freshview Solutions collect for?

Freshview Solutions routinely buys delinquent and discharged accounts from an array of creditors.

Avoid a default judgment by responding with SoloSuit.

Negotiating a debt settlement with Freshview Solutions

If you know the debt is yours and will need to be repaid, then you can take proactive steps to try and negotiate a debt settlement. Freshview Solutions may be amenable to a settlement for a lesser amount than what is actually owed. Freshview Solutions may also agree not to report your account to credit bureaus once you pay the settlement. The debt settlement process can be as simple as these four steps:

  1. Respond to the pending debt collection lawsuit filed by Freshview Solutions.
  2. Calculate how much you can afford to pay based on the amount owed.
  3. Send a settlement offer to Freshview Solutions and be prepared to engage in a back-and-forth negotiations process.
  4. If you can reach an agreement, then get the debt settlement terms in writing.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process.

Know your rights when Freshview Solutions Collection Agency contacts you

It is important to understand that you have rights under the Fair Debt Collection Practices Act. The FDCPA lays out rules that state what debt collectors are allowed and not allowed to do. Some of the limits on debt collectors are:

  • The Freshview Solutions debt collector cannot call you when you are at work;
  • The Freshview Solutions debt collectors cannot use vulgar language when they talk or write to you;
  • The Freshview Solutions debt collector is not allowed to threaten to sue you; and
  • The Freshview Solutions debt collector may not call you at home before 8 AM or after 9 pm.

Respond to a Freshview Solutions Collection Agency lawsuit

If Freshview Solutions Collection Agency sues you, it is vital to be aggressive and respond well to the lawsuit. Never do what many people do, which is to ignore the lawsuit and hope they forget about it. It's not going to go away, even if you throw it away. If you don't pay attention to the lawsuit, it just means you gave up and the collection agency wins. Never make this error. You can fight them and win!

Below are some good tips to use when crafting your Answer to the lawsuit:

  • Never say you are responsible for the debt they allege. Remember that the debt collection company must prove that you owe what they say you owe.
  • You should file an Answer with your Clerk of Court during the necessary timeframe stated in the document, which is usually 20 or 30 days after you receive notice.
  • Mail your Answer copy that the Clerk of Courts stamped to Freshview Solutions Debt Collection Agency.

Proven Defenses You Can Utilize When You Answer a Debt Collection Lawsuit

When you answer the debt collection legal action from Freshview Solutions, you have the chance to state that the lawsuit is deficient and their allegations are incorrect. As we said above, debt collection agencies must prove that you owe the alleged debt. This means the company has to prove the following points before it is established that you owe the money:

  1. The company has the right to sue you in court;
  2. You are the person who owes the debt; and
  3. You are responsible for the specific sum that is stated by Freshview Solutions Collections Agency that was filed with the court

If Freshview Solutions fails to meet these guidelines, you may win in court. You could even get the suit thrown out.

Depending on the nature of your case, you could say the company did not file the lawsuit within the required statute of limitations. The statute of limitations sets a strict time limit that a person has to file a lawsuit. If the debt collector files the case past the statute of limitations, you can file a motion of dismissal with prejudice.

Also, you may want to file a countersuit. If you think Freshview Solutions did not follow the FDCPA, you may be able to obtain compensatory damages. The debt collector may also have to pay your legal fees.

Use Solo to make the right affirmative defenses.

Sued By Freshview Solutions Collections Agency? Here’s what to do

Here's a summary of the actions you can take if Freshview Solutions sues to collect debts:

  • Note any telephone calls you receive from the debt collector before 8 am and after 9 pm. Also note if they call you in the office, or use any foul language.
  • Be certain to file an Answer with your Clerk of Court within 20 or 30 days of receiving the letter.
  • In the Answer, you should make some affirmative defenses as noted above. The statute of limitations is a popular defense that is sometimes effective. Also, demand that Freshview Solutions provide proof of what you are. They also should prove that you are the one that owes the money.
  • You should also consider filing a counterclaim if you think the debt collector violated the FDCPA.
  • Filing an Answer is just the first step to resolving the lawsuit. Reach out to Freshview Solutions before your court date to explore your options for debt settlement. Use SoloSettle to document the settlement process.

We wish you the best!

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